This is a text message I received from a friend the other day: “My husband just called me. He was moving concrete steps onto our porch and felt a pop in his back and has called EMS to go to the hospital because he can’s stand or really move.” That injury has put a self-employed…
Most people plan to work until they can reasonably retire; then having saved a nice pension enjoy the fruits of their labors. No one plans to have to retire early because of a disability. In reality, 43 percent of people on long-term disability are injured or become ill without ever reaching retirement age. Most often…
“I thought I just had a little infection and wasn’t worried about it. My wife made me go to the emergency room when my temperature got to 104, and the next thing I knew I woke up in an ambulance…” That simple infection resulted in doctors diagnosing an acquaintance with diabetes, but the diagnosis came…
When I bought my life insurance policy years ago, I wasn’t thinking I would use it as retirement income or even think of using it myself in life. The agent did say I could borrow against the cash value if I needed to for certain life events, but I always assumed my life insurance policy…
Most people know about life insurance, and we all have to have health insurance, car insurance, home owners or renters insurance and all of that, but what about insuring your income? Many people don’t consider insuring income for those times when they have to take time off work because of an illness or injury and the sick or personal…
“This whole insurance thing is just a way to separate me from my paycheck. The chances of me being disabled or having a critical illness are pretty slim, right?” There are a lot of people who think that way, but the answer isn’t a simple yes or no. Critical illness can strike anyone as well.…